{
  "metric": {
    "id": "financial.gross_npa_ratio",
    "slug": "gross-npa-ratio",
    "name": "Gross NPA Ratio",
    "metric_short_name": "gross NPA ratio",
    "unit": "%",
    "definition": "Gross Non-Performing Assets as a percentage of total investments or advances. For insurers, NPAs arise from fixed deposits, bonds, or other debt instruments in default or where interest/principal is overdue. A higher ratio indicates greater credit risk in the investment portfolio.",
    "higher_is_better": false,
    "metric_status": "regulatory_native",
    "regulatory_form": "NL-20",
    "applicable_to": [
      "general",
      "health"
    ]
  },
  "facts": [
    {
      "insurer_id": "reliance-general",
      "insurer_name": "Reliance General Insurance",
      "insurer_slug": "reliance-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "reliance-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "2026-06-30_nl20.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "NL_Q1_FY2026-27.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.25,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "2026-27_Q1.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 0.21,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "Public_Disclosure_Q1_FY26-27.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "niva-bupa",
      "insurer_name": "Niva Bupa Health Insurance",
      "insurer_slug": "niva-bupa",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "niva-bupa",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "Website-Public-Disclosures-Jun-2026.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-25",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "zuno-general",
      "insurer_name": "Zuno General Insurance",
      "insurer_slug": "zuno-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "zuno-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-25",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "national-insurance",
      "insurer_name": "National Insurance Company",
      "insurer_slug": "national-insurance",
      "value": 0.75,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "national-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "pdfs/national-insurance/NL-20-ANALYTICAL RATIOS SCHEDULE.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row: Gross NPA Ratio",
        "source_page": 1
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.22,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "2025-26_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "zuno-general",
      "insurer_name": "Zuno General Insurance",
      "insurer_slug": "zuno-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "zuno-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-11-03",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "royal-sundaram",
      "insurer_name": "Royal Sundaram General Insurance",
      "insurer_slug": "royal-sundaram",
      "value": 0.06,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "royal-sundaram",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL-20_Annual_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "reliance-general",
      "insurer_name": "Reliance General Insurance",
      "insurer_slug": "reliance-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "reliance-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "2026-03-31_nl20.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 0.22,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "Public_Disclosure_Q4_FY25-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "niva-bupa",
      "insurer_name": "Niva Bupa Health Insurance",
      "insurer_slug": "niva-bupa",
      "value": 0.51,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "niva-bupa",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "combined.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "national-insurance",
      "insurer_name": "National Insurance Company",
      "insurer_slug": "national-insurance",
      "value": 0.74,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "national-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "pdfs/national-insurance/NL-20 ANALYTICAL RATIOS.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row: Gross NPA Ratio",
        "source_page": 1
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL_Q4_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "united-india",
      "insurer_name": "United India Insurance",
      "insurer_slug": "united-india",
      "value": 1,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "united-india",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL20_Q4_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "raheja-qbe",
      "insurer_name": "Raheja QBE General Insurance",
      "insurer_slug": "raheja-qbe",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "raheja-qbe",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL20_Q4_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "raheja-qbe",
      "insurer_name": "Raheja QBE General Insurance",
      "insurer_slug": "raheja-qbe",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "raheja-qbe",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "NL20_Q3_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "royal-sundaram",
      "insurer_name": "Royal Sundaram General Insurance",
      "insurer_slug": "royal-sundaram",
      "value": 0.03,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "royal-sundaram",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "NL20_Q3_FY25-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "zuno-general",
      "insurer_name": "Zuno General Insurance",
      "insurer_slug": "zuno-general",
      "value": 0.11,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "zuno-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "NL_Q3_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 0.22,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "combined.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "reliance-general",
      "insurer_name": "Reliance General Insurance",
      "insurer_slug": "reliance-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "reliance-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "2025-12-31_nl20.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "united-india",
      "insurer_name": "United India Insurance",
      "insurer_slug": "united-india",
      "value": 1.01,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "united-india",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "NL20_Q3_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "niva-bupa",
      "insurer_name": "Niva Bupa Health Insurance",
      "insurer_slug": "niva-bupa",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "niva-bupa",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "Website-Public-Disclosure-Dec-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-27",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.24,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "2025-26_Q3.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "national-insurance",
      "insurer_name": "National Insurance Company",
      "insurer_slug": "national-insurance",
      "value": 0.75,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "national-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "pdfs/national-insurance/NL-20 ANALYTICAL RATIOS.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row: Gross NPA Ratio",
        "source_page": 1
      }
    },
    {
      "insurer_id": "reliance-general",
      "insurer_name": "Reliance General Insurance",
      "insurer_slug": "reliance-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "reliance-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "2025-09-30_nl20.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "united-india",
      "insurer_name": "United India Insurance",
      "insurer_slug": "united-india",
      "value": 0.99,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "united-india",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "NL20_Q2_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.22,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "2025-26_Q2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "niva-bupa",
      "insurer_name": "Niva Bupa Health Insurance",
      "insurer_slug": "niva-bupa",
      "value": 0.59,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "niva-bupa",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "Website-Public-Disclosure-Sep-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "national-insurance",
      "insurer_name": "National Insurance Company",
      "insurer_slug": "national-insurance",
      "value": 0.81,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "national-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "pdfs/national-insurance/NL-20 ANALYTICAL RATIOS.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row: Gross NPA Ratio",
        "source_page": 1
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-27",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "2025-2026_Jul-Sep.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "zuno-general",
      "insurer_name": "Zuno General Insurance",
      "insurer_slug": "zuno-general",
      "value": 0.12,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "zuno-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "NL_Q2_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 0.23,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "combined.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "raheja-qbe",
      "insurer_name": "Raheja QBE General Insurance",
      "insurer_slug": "raheja-qbe",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "raheja-qbe",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "NL20_Q2_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "reliance-general",
      "insurer_name": "Reliance General Insurance",
      "insurer_slug": "reliance-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "reliance-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "2025-06-30_nl20.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "NL_Q1_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "hdfc-ergo",
      "insurer_name": "HDFC ERGO General Insurance",
      "insurer_slug": "hdfc-ergo",
      "value": 0.59,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "hdfc-ergo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "Annexure-IV-All-Forms-Q1-FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "2025-2026_Apr-Jun.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 0.23,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "2025-06-30.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.27,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "2025-26_Q1.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "hdfc-ergo",
      "insurer_name": "HDFC ERGO General Insurance",
      "insurer_slug": "hdfc-ergo",
      "value": 0.59,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "hdfc-ergo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "Annexure-IV-All-Forms-Q4-FY2024-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "NL_Q4_FY2024-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "2024-2025_Jan-Mar.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.27,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "2024-25_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 0.23,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "2025-03-31.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 0.36,
      "unit": "%",
      "reporting_period_label": "Q3 FY24-25",
      "reporting_period_end": "2024-12-31",
      "provenance": {
        "reported_by": "generali-central",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY24-25",
        "source_document": "FY2024-25_Q3.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 0.72,
      "unit": "%",
      "reporting_period_label": "Q3 FY24-25",
      "reporting_period_end": "2024-12-31",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY24-25",
        "source_document": "2024-12-31.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.3,
      "unit": "%",
      "reporting_period_label": "Q3 FY24-25",
      "reporting_period_end": "2024-12-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY24-25",
        "source_document": "2024-25_Q3.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY24-25",
      "reporting_period_end": "2024-12-31",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY24-25",
        "source_document": "2024-2025_Oct-Dec.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY24-25",
      "reporting_period_end": "2024-12-31",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY24-25",
        "source_document": "NL_Q3_FY2024-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.3,
      "unit": "%",
      "reporting_period_label": "Q2 FY24-25",
      "reporting_period_end": "2024-09-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY24-25",
        "source_document": "2024-25_Q2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 0.75,
      "unit": "%",
      "reporting_period_label": "Q2 FY24-25",
      "reporting_period_end": "2024-09-30",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY24-25",
        "source_document": "2024-09-30.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "star-health",
      "insurer_name": "Star Health Insurance",
      "insurer_slug": "star-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY24-25",
      "reporting_period_end": "2024-09-30",
      "provenance": {
        "reported_by": "star-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY24-25",
        "source_document": "2024-2025_Q2_Website_PD_Q2_FY_25_59f84a73b0.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY24-25",
      "reporting_period_end": "2024-09-30",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY24-25",
        "source_document": "NL_Q2_FY2024-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY24-25",
      "reporting_period_end": "2024-09-30",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY24-25",
        "source_document": "2024-2025_Jul-Sep.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 0.37,
      "unit": "%",
      "reporting_period_label": "Q2 FY24-25",
      "reporting_period_end": "2024-09-30",
      "provenance": {
        "reported_by": "generali-central",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY24-25",
        "source_document": "FY2024-25_Q2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY24-25",
      "reporting_period_end": "2024-06-30",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY24-25",
        "source_document": "NL_Q1_FY2024-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY24-25",
      "reporting_period_end": "2024-06-30",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY24-25",
        "source_document": "2024-2025_Apr-Jun.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "star-health",
      "insurer_name": "Star Health Insurance",
      "insurer_slug": "star-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY24-25",
      "reporting_period_end": "2024-06-30",
      "provenance": {
        "reported_by": "star-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY24-25",
        "source_document": "2024-2025_Q1_Website_PD_Q1_FY_25_a8dd578ab2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 0.72,
      "unit": "%",
      "reporting_period_label": "Q1 FY24-25",
      "reporting_period_end": "2024-06-30",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY24-25",
        "source_document": "2024-06-30.pdf",
        "source_url": null,
        "extracted_by": "nonlife_adapter.py v1",
        "last_verified": "2026-09-10",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY23-24",
      "reporting_period_end": "2024-03-31",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY23-24",
        "source_document": "NL_Q4_FY2023-24.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.32,
      "unit": "%",
      "reporting_period_label": "Q4 FY23-24",
      "reporting_period_end": "2024-03-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY23-24",
        "source_document": "2023-24_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY23-24",
      "reporting_period_end": "2024-03-31",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY23-24",
        "source_document": "2023-2024_Jan-Mar.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY23-24",
      "reporting_period_end": "2023-12-31",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY23-24",
        "source_document": "public-disclosure-december-2023.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY23-24",
      "reporting_period_end": "2023-12-31",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY23-24",
        "source_document": "NL_Q3_FY2023-24.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY23-24",
      "reporting_period_end": "2023-12-31",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY23-24",
        "source_document": "2023-2024_Oct-Dec.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "star-health",
      "insurer_name": "Star Health Insurance",
      "insurer_slug": "star-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY23-24",
      "reporting_period_end": "2023-12-31",
      "provenance": {
        "reported_by": "star-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY23-24",
        "source_document": "2023-2024_Q3_PD_FY_24_Q3_V2_9e9549b3e9.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY23-24",
      "reporting_period_end": "2023-09-30",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY23-24",
        "source_document": "NL_Q2_FY2023-24.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY23-24",
      "reporting_period_end": "2023-09-30",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY23-24",
        "source_document": "2023-2024_Jul-Sep.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "star-health",
      "insurer_name": "Star Health Insurance",
      "insurer_slug": "star-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY23-24",
      "reporting_period_end": "2023-09-30",
      "provenance": {
        "reported_by": "star-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY23-24",
        "source_document": "2023-2024_Q2_Website_PD_Q2_FY_24_f699994461.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY23-24",
      "reporting_period_end": "2023-09-30",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY23-24",
        "source_document": "public-disclosure-september-2023.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY23-24",
      "reporting_period_end": "2023-06-30",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY23-24",
        "source_document": "2023-2024_Apr-Jun.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "aditya-birla-health",
      "insurer_name": "Aditya Birla Health Insurance",
      "insurer_slug": "aditya-birla-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY23-24",
      "reporting_period_end": "2023-06-30",
      "provenance": {
        "reported_by": "aditya-birla-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY23-24",
        "source_document": "NL_Q1_FY2023-24.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY23-24",
      "reporting_period_end": "2023-06-30",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY23-24",
        "source_document": "public-disclosure-june-2023.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.32,
      "unit": "%",
      "reporting_period_label": "Q1 FY23-24",
      "reporting_period_end": "2023-06-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY23-24",
        "source_document": "2023-24_Q1.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "star-health",
      "insurer_name": "Star Health Insurance",
      "insurer_slug": "star-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY23-24",
      "reporting_period_end": "2023-06-30",
      "provenance": {
        "reported_by": "star-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY23-24",
        "source_document": "2023-2024_Q1_Website_PD_Q1_FY_24_V1_9010203a7d.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "star-health",
      "insurer_name": "Star Health Insurance",
      "insurer_slug": "star-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY22-23",
      "reporting_period_end": "2023-03-31",
      "provenance": {
        "reported_by": "star-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY22-23",
        "source_document": "2022-2023_Q4_PD_FY_23_Q4_V2_4_14dcf85789.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY22-23",
      "reporting_period_end": "2023-03-31",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY22-23",
        "source_document": "public-disclosure-march-2023.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.34,
      "unit": "%",
      "reporting_period_label": "Q4 FY22-23",
      "reporting_period_end": "2023-03-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY22-23",
        "source_document": "2022-23_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY22-23",
      "reporting_period_end": "2023-03-31",
      "provenance": {
        "reported_by": "generali-central",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY22-23",
        "source_document": "FY2022-23_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": 14,
      "unit": "%",
      "reporting_period_label": "Q4 FY22-23",
      "reporting_period_end": "2023-03-31",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY22-23",
        "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY22-23",
      "reporting_period_end": "2023-03-31",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY22-23",
        "source_document": "2022-2023_Jan-Mar.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY22-23",
      "reporting_period_end": "2022-12-31",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY22-23",
        "source_document": "public-disclosure-december-2022.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 0.51,
      "unit": "%",
      "reporting_period_label": "Q3 FY22-23",
      "reporting_period_end": "2022-12-31",
      "provenance": {
        "reported_by": "generali-central",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY22-23",
        "source_document": "FY2022-23_Q3.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": 29,
      "unit": "%",
      "reporting_period_label": "Q3 FY22-23",
      "reporting_period_end": "2022-12-31",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY22-23",
        "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY22-23",
      "reporting_period_end": "2022-12-31",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY22-23",
        "source_document": "2022-2023_Oct-Dec.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.4,
      "unit": "%",
      "reporting_period_label": "Q3 FY22-23",
      "reporting_period_end": "2022-12-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY22-23",
        "source_document": "2022-23_Q3.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 0.51,
      "unit": "%",
      "reporting_period_label": "Q2 FY22-23",
      "reporting_period_end": "2022-09-30",
      "provenance": {
        "reported_by": "generali-central",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY22-23",
        "source_document": "FY2022-23_Q2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": 30,
      "unit": "%",
      "reporting_period_label": "Q2 FY22-23",
      "reporting_period_end": "2022-09-30",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY22-23",
        "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.37,
      "unit": "%",
      "reporting_period_label": "Q2 FY22-23",
      "reporting_period_end": "2022-09-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY22-23",
        "source_document": "2022-23_Q2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY22-23",
      "reporting_period_end": "2022-09-30",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY22-23",
        "source_document": "public-disclosure-september-2022.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0.93,
      "unit": "%",
      "reporting_period_label": "Q2 FY22-23",
      "reporting_period_end": "2022-09-30",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY22-23",
        "source_document": "2022-2023_Jul-Sep.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": 31,
      "unit": "%",
      "reporting_period_label": "Q1 FY22-23",
      "reporting_period_end": "2022-06-30",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY22-23",
        "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "oriental-insurance",
      "insurer_name": "Oriental Insurance Company",
      "insurer_slug": "oriental-insurance",
      "value": 1.93,
      "unit": "%",
      "reporting_period_label": "Q1 FY22-23",
      "reporting_period_end": "2022-06-30",
      "provenance": {
        "reported_by": "oriental-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY22-23",
        "source_document": "NL-20_FY_2022_23_NL_20_09_09_2022_e7ac35d41f.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 0.43,
      "unit": "%",
      "reporting_period_label": "Q1 FY22-23",
      "reporting_period_end": "2022-06-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY22-23",
        "source_document": "2022-23_Q1.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "navi-general",
      "insurer_name": "Navi General Insurance",
      "insurer_slug": "navi-general",
      "value": 0.95,
      "unit": "%",
      "reporting_period_label": "Q1 FY22-23",
      "reporting_period_end": "2022-06-30",
      "provenance": {
        "reported_by": "navi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY22-23",
        "source_document": "2022-2023_Apr-Jun.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "star-health",
      "insurer_name": "Star Health Insurance",
      "insurer_slug": "star-health",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY22-23",
      "reporting_period_end": "2022-06-30",
      "provenance": {
        "reported_by": "star-health",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY22-23",
        "source_document": "2022-2023_Q1_Q1_c1a5f6fc27.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 0.51,
      "unit": "%",
      "reporting_period_label": "Q1 FY22-23",
      "reporting_period_end": "2022-06-30",
      "provenance": {
        "reported_by": "generali-central",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY22-23",
        "source_document": "FY2022-23_Q1.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": 32,
      "unit": "%",
      "reporting_period_label": "Q4 FY21-22",
      "reporting_period_end": "2022-03-31",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY21-22",
        "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 0.52,
      "unit": "%",
      "reporting_period_label": "Q3 FY21-22",
      "reporting_period_end": "2021-12-31",
      "provenance": {
        "reported_by": "generali-central",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY21-22",
        "source_document": "FY2021-22_Q3.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": 82,
      "unit": "%",
      "reporting_period_label": "Q3 FY21-22",
      "reporting_period_end": "2021-12-31",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY21-22",
        "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "oriental-insurance",
      "insurer_name": "Oriental Insurance Company",
      "insurer_slug": "oriental-insurance",
      "value": 2.06,
      "unit": "%",
      "reporting_period_label": "Q3 FY21-22",
      "reporting_period_end": "2021-12-31",
      "provenance": {
        "reported_by": "oriental-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY21-22",
        "source_document": "NL-20_NL_20_Analytical_Ratios_50dd50d624.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q3 FY21-22",
      "reporting_period_end": "2021-12-31",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY21-22",
        "source_document": "public-disclosure-q3-fy-21-22.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q2 FY21-22",
      "reporting_period_end": "2021-09-30",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY21-22",
        "source_document": "public-disclosure-q2-2021-22.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "oriental-insurance",
      "insurer_name": "Oriental Insurance Company",
      "insurer_slug": "oriental-insurance",
      "value": 2.06,
      "unit": "%",
      "reporting_period_label": "Q2 FY21-22",
      "reporting_period_end": "2021-09-30",
      "provenance": {
        "reported_by": "oriental-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY21-22",
        "source_document": "NL-20_NL_20_a13e1deb61.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 row-format label match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "acko-general",
      "insurer_name": "Acko General Insurance",
      "insurer_slug": "acko-general",
      "value": 1.18,
      "unit": "%",
      "reporting_period_label": "Q1 FY21-22",
      "reporting_period_end": "2021-06-30",
      "provenance": {
        "reported_by": "acko-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY21-22",
        "source_document": "public-disclosure-q1-fy-2021-22.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 text-fallback line match: gross_npa_ratio",
        "source_page": null
      }
    },
    {
      "insurer_id": "acko-general",
      "insurer_name": "Acko General Insurance",
      "insurer_slug": "acko-general",
      "value": 1.18,
      "unit": "%",
      "reporting_period_label": "Q4 FY20-21",
      "reporting_period_end": "2021-03-31",
      "provenance": {
        "reported_by": "acko-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY20-21",
        "source_document": "public-disclosure-q4-fy-2020-21.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 text-fallback line match: gross_npa_ratio",
        "source_page": null
      }
    }
  ],
  "meta": {
    "generated_at": "2026-11-15",
    "source": "IRDAI public disclosures",
    "api_version": "v1",
    "licence": "Facts derived from IRDAI public disclosure data. Republication with attribution permitted subject to applicable Indian law."
  }
}